What do I need to access business online banking?

You will need a computer with an up-to-date web browser, and an Internet connection. Browsers and operating systems that are no longer receiving updates from their developers should not be used. In order to ensure you have the most updated version, we recommend enabling automatic updates for your browser or operating system, if possible.

Can I use the
web browser on my mobile phone or mobile device to access business online
banking?

Business mobile banking is the simple, convenient and secure way to access your Royal Credit Union business accounts. It allows you to check balances, transfer funds, and pay bills on the go! It’s simple, convenient and secure.

Business mobile banking offers all this:

·Account Overview – be able to view Royal business online banking
accounts

While our full business online banking solution was not designed with mobile browsers in mind, most functions work normally on modern mobile browsers. Just like full online banking, for the best experience, we recommend that you keep your mobile browser updated.

If you forget your sign-on ID, password, or security questions, or you become locked out of business online banking, please call Member Service at 800-341-9911, option 6, or stop by an office and someone will assist you.

Most transactions and balance updates are reflected on business online banking as soon as the transaction is performed. For example, any transaction you do at a teller line or an ATM will immediately appear on business online banking. It may take 1-3 business days for Royal Credit Union Visa payments or signed debit card transactions to appear on business online banking.

Please make sure you include the type of account in the name using descriptions like, Savings, Checking, Loan, or Certificate. For example, you want to change your Secondary Savings Account to "Vacation Fund". Make sure you include the word "Savings" so it would say "Vacation Savings Fund.”

Please do not include the account number within the account name as it may appear on mailed documents.

Please do not use inappropriate account names. Labels on your accounts are visible to Royal team members. Profanity or other inappropriate phrases are to be avoided. We reserve the right to change any account descriptions we deem inappropriate.

Absolutely! Business online banking was designed to be highly compatible with this popular software, so you can download files for your financial management software directly from it. This can be done by clicking the Export link in the top right corner of the Transaction Activity page within business online banking.

The files you download from business online banking can be used with the following export options:

CSV

Excel

Money Compatible

Quicken

Quickbooks

If you have questions regarding the functionality, are experiencing issues with one of the software programs listed above, or would like to upgrade, please contact the vendor directly or visit the vendors' website for technical support.

Once you have signed in to business online banking, you have begun an "active session." If you walk away during the course of an active session, someone else can use your computer to perform transactions involving your accounts. It is similar to walking away from an ATM while your card is still in the machine.

For your security, business online banking will automatically end your active session if there is no activity on your session for 15 minutes. However, to eliminate any exposure, it is always better for you to end the active session by selecting Sign Out.

To add an account to be displayed on business online banking, some information needs to be verified with Member Service. Please contact us by calling 800-341-9911, option 6, to get an account added to your business online banking.

Posted transactions to your account are tracked by the system from the point of enrolling or adding the account. So, as time goes by, transactions will begin to show in your register. If you have had transactions in your register in the past, and they are no longer showing, please contact us via Messages within business online banking, email member_services@rcu.org or call 800-341-9911, option 6.

Many computer systems and browsers can view PDF
files natively, but if yours does not, there are many choices available. One
option for Windows users is Adobe® Reader®. Please visit the Adobe® Reader® website
for download instructions.

To keep your email address up-to-date even easier for you, we will periodically prompt you to review your email address and give you the opportunity to confirm or update it at that time. Email addresses can also be updated anytime on the My Profile screen within business online banking.

For instructions on how to add a cookie exception to your third party cookie blocking software, please see your browser’s product documentation or contact the product's customer support.

Some third party program may be
blocking/trying to access the cookies. For your protection, business online banking does not allow programs other than your web browser to access the cookies that it needs to operate. If another program tries to access the business online banking cookies while you are using business online banking, you may be automatically logged out. This is to protect your business online banking information from malware programs (Spyware, Adware, Viruses, etc.).

If you still cannot sign on to business online banking after trying everything in these steps, please consider checking your computer for Malware programs. You can do so by using various computer security software packages, or getting help from your local computer professionals. If problem software is found, we recommend not using that computer to access business online banking until the problem is resolved and the computer has a clean bill of health.

You may have inadvertently entered your sign-on ID, password, or security questions incorrectly. Make sure you are using the correct sign-on ID and password, and then select Sign-On from the menu above to try again.

I see a
message from my browser stating that a pop-up has been blocked. What does this
mean?

Business online banking will occasionally use a new window to show content, for example when you visit business bill pay, view a statement, or look at your Visa credit card statement. This is normal behavior, but sometimes your browser’s pop-up blocker will incorrectly flag this as pop-up advertising and block it. For more information on dealing with pop-up blocker issues, and instructions to add web sites to the exception list, please see the following links.

Here are links to
information about changing your security settings, including pop-up settings, in
various versions of Internet Explorer:

The most likely reason for this problem is that the date is set incorrectly on your computer. Please change the date on your computer to the current date. Most computers are able to get the date automatically from the Internet. You may want to check to see if this is set for your operating system.

If your computer's date is correct and you are still getting a Security Certificate error, please go to rcu.org and navigate to business online banking to ensure that you are at the correct site. If after this, the issue is not resolved, please contact our Member Service Team via your Messages within business online banking, email member_services@rcu.org or call 800-341-9911, option 6.

If you cannot see business online
banking at all, verify that you can get to other websites. If you cannot, then
your connection to the Internet, your Internet Service Provider or the Internet
is experiencing problems at this time. You should try again later.

Verify that you know your sign-on
ID and password and that you are typing it correctly.

This is a broad
question that has many possible solutions. Below are the most frequent ways to
address this problem.

If you cannot see business online
banking at all, verify that you can get to other websites. If you cannot, then
your connection to the Internet, your Internet Service Provider or the Internet
is experiencing problems at this time. You should try again later.

Verify that you know your sign-on
ID and password and that you are typing it correctly.

Verify that you have not knowingly
or accidentally loaded spyware, adware, or browser add-on software that is
interfering with the correct functioning of business online banking on your
mobile device.

Read through the other business
online banking FAQs (frequently asked questions) to see if they help you to a
resolution.

Verify that you have not knowingly or accidentally loaded spyware, adware, or browser add-on software that is interfering with the correct functioning of business online banking.

If you have not found an answer to your problem, please contact our Member Service Team via email member_services@rcu.org or call 800-341-9911, option 6. Please provide your browser, browser version and operating system information as well as the details of your problem.

No. Your online account information is available
through access methods that have been rigorously tested for security
accessibility. The information is not public. Only you can access it using your
sign-on ID, password, and security questions.

You can help safeguard your
information by protecting your sign-on ID, password, and security questions. A
proper combination of your sign-on ID, password, and security questions is the
only way to get access into your account. Please be careful to keep this
information secure, and be sure to sign off when you are done with your
session.

You will be prompted to set up five security questions the first time you log
in to business online banking. After you set up these questions, you may be
presented two questions at subsequent logins if the device or IP Address you are
logging in from hasn’t been used before or is used frequently by different
users. Simply answer the questions with the responses you created at enrollment
and you’ll be set!

What are
cookies?

Cookies are small text
files on your system, used for keeping track of settings or data for a
particular website.

For one time immediate transfers or
payments, you can modify or cancel your funds transfer request at any time before you confirm the transfer request. However, after you've completed a funds transfer transaction, you cannot stop the transfer from occurring. At that point, if you change your mind about the amount you wanted to transfer, simply make a new transfer to move the funds between the appropriate accounts.

For future and/or recurring transfers or
payments,you can edit or delete a transfer at any time prior to the transfer date. This can be done by clicking the Cash Management tab, and then clicking either Review Scheduled Transfers or Review Scheduled Payments to see a list of pending items. This is where you can delete or edit the transfer or payment.

If a payment to a loan brings down the principal balance, the new balance will immediately display in business online banking. If the payment only satisfies interest on the loan, then the balance will not decrease.

All loan payments must be made by 8 p.m. CST on the day it is due. If you make the payment after 8 p.m. CST, the payment may not show on your account until the next day and you may receive a late charge. An easy way to remember to make your loan payment(s) on time is to set up a recurring loan payment. That way the payment will be made in the morning on the day it is due and you will not receive any late charges.

In the unlikely case that business online banking and all of our backup systems were to go down, you can be comfortable knowing that any transaction for which you had already processed, prior to the system going down, will go through. If you were in the middle of a transaction and there is some question as to whether the system has received the request, check the account’s Transaction Activity screen when you are able to sign on to business online banking again. If you have questions, please contact our Member Service Team via your Messages within business online banking, email member_services@rcu.org or call 800-341-9911, option 6.

You have the option to reconcile transactions on
the Transaction Activity screens for your checking accounts and money
market accounts by marking a checkbox next to each transaction. Once you mark
the transaction, the information is stored and will display next time you log
on. This is a great balancing tool!

For optimal performance of our
system, Royal displays only a certain number of transactions on the Transaction
Activity screen. You can easily increase or decrease the number of items
that appear on the page using the Per Page dropdown list below the visible
transactions.

If you want to change the default number of days’ worth of items that appear on all pages, you may do so by clicking the Service Center tab, then clicking Page Preferences from the left menu. The History Days dropdown list can be changed to 30, 60, or 90 days.

If your paper check was converted to an electronic check directly from the merchant, this clears your account immediately and Royal does not receive the paper check for imaging.

It may take one to two business days for your check image to appear on business online banking.

The check may have cleared your account with the wrong information. please contact our Member Service Team via your Messages within business online banking, email member_services@rcu.org or call 800-341-9911, option 6.

The Royal check imaging system may be currently unavailable. Please check back momentarily, or contact our Member Service Team via your Messages within business online banking, email member_services@rcu.org or call 800-341-9911, option 6.

Your checking account had non-sufficient funds and your check was returned to Royal and stamped with “NSF.” We then returned this check to the merchant, who may have tried to redeposit your check. Your check cleared the second time; however you will see the initial NSF stamp on the check image.

From the Accounts page within business online banking, click your credit card account. Your Credit Card Account Access page will display in a new window. Select Statements from the top menu, and then select the View Statements sub-menu option.

You can make one-time immediate, one-time future or recurring credit card payments in business online banking. Click Cash Management, then click Make a credit card payment.

If you are paying from another financial institution or want to schedule recurring amount due or minimum amount due payments from a Royal account or from another financial institution, click on your credit card account on Accounts screen. Your credit card account access page will display. Then select Payments from the top menu.

Payments scheduled through your credit card account access must be submitted by 5 p.m. CST in order for your payment to be posted to your credit card account with today's date. Payments made using the business online banking credit card payment feature must be completed by 5 p.m. CST Sunday through Friday (except holidays) to be posted with today's date. Although your payment will be credited to your account today, you should allow at least three business days before the payment is reflected in your available credit. If your payment is not received by the due date on your statement, the account will be subject to the fees and finance charges as described in your Cardholder Agreement.

For your Commercial Rewards Visa account, to discontinue receiving paper statements, call Royal Business Services, 800-341-9911 ext. 3040, and a Business Services Representative will set the option to discontinue paper statements per your request.

You can return to paper statements by following the same process.

When you indicate you do not wish to receive paper statements, you will automatically receive a monthly email reminder when your Visa Statement is available online.

Royal Credit Union considers your credit card to be completely separate from your typical savings and checking accounts, so it does not display the same way that these accounts do. There are two ways to view credit card history:

1.Click on that specific account on the Accounts screen. From there, you will be linked directly to your credit card information on the Credit Card Account Access page.

2.Click on a different account on the Accounts screen. From the accounts dropdown list on the Transaction Activity screen, select the credit card. The Transaction Activity screen will display for that credit card.

If you are
presented with an error message, please read the message carefully and take
appropriate action. If Visa statements are currently unavailable, please try
again later.

When you select View Statement PDFs, your credit card statements will display in a new
window. Some pop-up blockers will block the opening of this new
window.

Most of today's
internet browsers have a built-in pop-up blocker which prevents Royal eBranch from
displaying the credit card statements in a new window. You may need to add the
credit card statement site to your pop-up blocker settings to see your Visa
Statement. That web address is https://www.ezcardinfo.com

Online bill payment is recommended by security experts as one of the safest ways to pay your bills. According to research conducted by Javelin Strategy and Research, using the Internet for banking and paying bills actually reduces the threat of identity theft and banking fraud. Business Bill Pay has multiple layers of security to ensure that you are protected.

Payments are sent two ways: electronic payment and paper check. On average, electronic payments are sent to more than 70 percent of payees. For payees who can only accept checks, your account is debited electronically and an authorized paper check is issued on your behalf.

For payments you are making to individuals you can set up an electronic payment or have a check sent. For payments to a business, business Bill Pay processes all payments possible through electronic transfers. When an electronic transfer is not possible, a paper check is sent and mailed through the U.S. Postal Service.

Your payment will be processed on the date you provide, except on weekends and Federal holidays. Transfers are processed at 3 p.m. CST Monday - Friday except on Federal holidays. If you enter a payment prior to the Payment Processing Date, the payment will be processed ON the Payment Processing Date entered. If you enter a payment after 3 p.m. on the same day as the Payment Processing Date, the check will be processed on the NEXT WEEK DAY (excluding Federal holidays). Payments scheduled to occur on weekends or Federal holidays will process before or after the pay date per your specifications.

We recommend you submit payment requests using the estimated arrival date feature within business Bill Pay to choose your pay date. This feature will take into account the method in which the payment will be sent (check, electronic transfer, etc.). This ensures there is sufficient lead time to process your payment and get it to the payee by the due date.

No. You need to allow time for the payment to reach your payee. We recommend you submit payment requests using the estimated arrival date feature within business bill pay to choose your pay date. This feature will take into account the method in which the payment will be sent (check, electronic transfer, etc.). This ensures there is sufficient lead time to process your payment and get it to the payee by the due date.

Payments scheduled to occur on weekends or Federal holidays will process prior to the pay date or after the pay date per your specifications. The business Bill Pay cutoff time to enter payments for the current date is 3 p.m. CST.

Electronic funds transfers happen quickly, but not immediately. It may take several days for the payment to be received and processed by the payee. We recommend you submit payment requests using the estimated arrival date feature within business Bill Pay.

Please allow a few days for your payee to process your payment. If your payee has not posted the payment to your account after a few days, verify that the address for the payee is correct. Contact the payee to determine if the payment has been received. If it has not, contact business Bill Pay support at 1-866-579-7498 for options. Business Bill Pay support representatives are available from 6:30 a.m. to 4:30 p.m. CST, Monday through Friday.

With each payment, you are given a confirmation number. This confirmation number indicates that we have received it and is used for tracking payments if a problem occurs.

Cleared payments and
transfers also appear on your account’s Transaction Activity screen in
business online banking. If you see Cleared in the Cleared column for the
transaction, the transfer or bill payment has posted against your
account.

Your monthly statement from your payee should also
indicate the date and amount of the payment.

Funds will be debited from your Royal account as early as the morning after the pay date on your business Bill Pay payment. Always make sure that there is enough money in the account when the payment is processed on business Bill Pay.

Example: If you schedule a business Bill Pay payment prior to 3 p.m. CST with a pay date of Monday, then the funds will be debited from your account on Tuesday morning.

If your account has sufficient overdraft protection to cover the payment, we'll draw against that. If funds are not available in your account at this time, a Non-Sufficient Funds (NSF), Courtesy Pay, or Uncollected Funds charge will be deducted from your account.

If this happens, the payment will be cancelled, and the payee will never receive the payment. A new payment will need to be made, or an alternate method of payment will be needed to make sure that the payee receives their payment.

Read all of the FAQs (frequently asked questions) related to business Bill Pay to see if they answer your questions. If you are still in need of help, you may contact business Bill Pay support representatives at 1-866-579-7498 from 6:30 a.m. to 4:30 p.m. CST, Monday through Friday.

Alerts are electronic messages that allow Royal to communicate account information or reminders to business online banking users through email or your Messages within business online banking. They are triggered by conditions you select; for example, a check number clearing your account, a direct deposit credit, and more.

No. Royal provides Alerts free through business online banking. You need to have access to business online banking in order to use this service. If you select to receive Alerts via email or Messages within business online banking, you will be responsible for any fees related to Internet, email, or data usage and/or availability through your service provider(s).

Personal Alerts let you create a short reminder message and specify the date you wish to receive the message.

Use these Alerts as convenient reminders of any dates that matter to you such as due dates, appointments, special events, birthdays, and anniversaries. For example, set up a Personal Alert in advance of your monthly loan payment and include the actual due date and standard loan payment amount. You can also make this a recurring message.

Personal Alerts are another convenient way to help you manage your financial accounts and your life.

Your Alerts offer automatic notification. You don't need to wait for a monthly statement. Alerts related to account activity will be automatically sent when business online banking receives the financial information. Generally, this will be in the early morning each day, and whenever you sign on to business online banking. Messages not related to account activity (Personal Alerts) will be sent at 11 a.m. CST.

When you accept the Terms and Conditions of business online banking, you are able to view Statements & Info electronically. You can choose to receive communications only electronically, and can change your preferences at any time. You can update your preference to stop paper format or resume paper format at any time by clicking the Accounts tab, then clicking the Statements & Info link on the left. Within this screen, click Preferences.

Statements & Info are Royal Credit Union forms (or communications) sent to you electronically and through the mail if you specify you want to receive them that way as well. These include (but are not limited to) Statements, Tax Statements, Loan Notices, and Annual Disclosures.

Please ensure that you are receiving all Communications by keeping your email address current on business online banking..

As additional Communications are made available, they will be sent to you electronically.

Communications documents will be retained for you for up to three years.

What if there is an error in a Communications document sent to me?

If you believe you have received a Communication in error, please contact our Member Service Team via your Messages within business online banking, email member_services@rcu.org or call 800-341-9911, option 6.

Anyone with business online banking and the appropriate role on an account can view statements electronically. Simply click the Accounts tab, then click the Statements & Info link on the left. If you are a new Royal Member, you will begin seeing your statement after a statement cycle is complete (at month-end or quarter-end, depending on your statement cycle). If you are an existing Royal Member, you can view your statements for previous periods right away. Also, to view your Account Statements, you must be able to view the account that generates the statement. If you are not able to view a statement and you have further questions, please contact us via your Messages within business online banking, email member_services@rcu.org or call 800-341-9911, option 6.

When you click on a
specific statement, your statement PDF document will display in a new window.
Some pop-up blockers will block the opening of this new window.

Most of today's
internet browsers have a built-in pop-up blocker which prevents Royal business online banking from
displaying the statement in a new window. You may need to add Royal business online banking to
your pop-up blocker settings to see your statement window.

Simply click the Accounts tab, then click the Statements & Info link on the left. On the Communications screen, click Tax Statements on the left. Available statements will be displayed.

When you click on a specific Tax Statement, your Tax Statement PDF document will display in a new window. Most of today's internet browsers have a built-in pop-up blocker, which may prevent the new window with your Tax Statement from displaying. You may need to add business online banking (business.rcu.org) to your pop-up blocker settings in order to remedy this.

Note: Tax statements are not available to subusers. The documents are only available to
the business administrator.

Tax forms 1099 and 1098 are available within business online banking by January 31, each year. You can find these forms within business online banking by clicking the Accounts tab, then clicking the Statements & Info link on the left, then clicking the Tax Statements link on the left. If you earned less than $10 in interest on your accounts in a tax year you will not receive an interest reporting tax statement for that tax year.

If you earned less than $10 in interest on your accounts in a tax year you will not receive an interest reporting tax statement for that tax year.

If you elected to receive communications electronically, your tax forms are available by clicking the Accounts tab, then clicking the Statements & Info link on the left, then clicking the Tax Statements link on the left.

If you receive tax forms by mail, the address we have on file for you may be different than your current address. To verify the address we have for you or update your address, please contact our Member Service Team via your Messages within business online banking, email member_services@rcu.org r call 800-341-9911, option 6.

There are two places to find tax information in business online banking:

1.You are also able to view and print several of your tax forms online. You can find these forms within business online banking by clicking the Accounts tab, then clicking the Statements & Info link on the left, then clicking the Tax Statements link on the left. If you earned less than $10 in interest on your accounts in a tax year you will not receive an interest reporting tax statement for that tax year.

2.Year-to-date information can be found for any account. Click the Accounts tab. Click on any account so that the Transaction Activity screen displays. Click the Account Details link at the top-right; information like Interest Paid YTD will display. Note that this information is specific to the account and is not an aggregate of interest that may be reported on your 1099.

If you are a business administrator, or if you are a subuser that has been given administration rights, you can find the account numbers of your accounts by clicking the Administration tab, then clicking the Account Set Up link on the left.

If you are a subuser and you cannot see the Administration tab, then you have not been given administration rights. Contact your business administrator for information.

Business mobile banking is the simple, convenient and secure way to access your Royal Credit Union business accounts. It allows you to check balances, transfer funds, and pay bills on the go! It’s simple, convenient and secure.

With business mobile banking you have access to:

·Account Overview – be able to view Royal business online banking
accounts

Yes. While business mobile is optimized to give you the best experience on your mobile device, there may be times you need to use the full Royal Credit Union website or full business online banking. For this reason we have placed links on the bottom of the mobile webpage to View full website and View full business online banking.

While our full business online banking solution was not designed with Mobile browsers in mind, most functions work normally on modern mobile browsers. Just like full online banking, for best experience, we recommend that you keep your mobile browser updated.

This is a broad question that has many possible solutions. Below are the most frequent ways to address this problem.

If you cannot see business online
banking at all, verify that you can get to other websites. If you cannot, then
your connection to the Internet, your Internet Service Provider or the Internet
is experiencing problems at this time. You should try again later.

Verify that you know your sign-on
ID and password and that you are typing it correctly.

Many issues that occur are not
specific to mobile devices, so be sure to read through the other business online
banking FAQs (frequently asked questions) to see if they help you to a
resolution.

If you have not found an answer to
your problem, contact Royal Member Service by email at member_services@rcu.org or by phone at
800-341-9911, option 6. Please provide your browser, browser version and operating
system information as well as the details of your problem. To find your
browser and operating system, use this link:www.useragentstring.com.